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CEO's Blog Financial Calculators Find out how long it will take you to become a millionaire, pay off a loan, reach your personal financial targets or determine what credit will cost you. Estimate your finances in number of ways. These calculators cover the spectrum. NOVEMBER 2007 Go Figure! Lessons to Teach Kids about Money | Children Learn about Saving Tips and lessons for parents that want to teach their children to save money for the future and make smart financial choices. kids money, teach children about finances, save, money skills, financial education CEO's Blog Spending Saving Budgeting Investing Loans/Credit Important Lessons to Teach your Children about Money Having money is crucial to obtaining the things we need in life, and of course, having extra for the wants is nice too. However, money problems can occur when parents don't teach money management skills at a young age, usually when the child starts getting an allowance or has a job, such as babysitting or mowing lawns. When credit card offers start arriving in the mail, they are an easy fix when there's no more money left. Teaching your children about money, as well as credit cards, can be easy, and even a fun experience, but most importantly, a very valuable lesson. Here are a number of ways to teach children about money, so they don't end up having problems in the future. Introduce them to money when they are young enough to count, take an active role in teaching them about currency, such as pennies, nickels, dime and quarters, as well as dollar bills. Have them do simple math including adding and subtracting. When they get older, you can introduce new concepts and issues. Teach by example teaching your children about money becomes a much easier task when you have learned the lessons you are teaching. Children are smart and they know when a parent is a good example. Your kids won't listen to a word you say if your money management skills aren't up to par, so learn all you can about budgeting, saving, investing, reducing expenses and cutting out debt. When you're armed with knowledge, you're better able to teach your children. Give them an allowance yes, that means give them some money. Even if it's a few dollars a week, let them take control of their own money and make their own decisions about what they want to do with it. A good example of how much to give them would be a dollar for their age. So, if you have a ten-year-old, give them ten dollars, for either a week or a month, depending on your own budget. If they're never given any money, they will never learn how to manage it. This way, they can then see first-hand what it's like to have money. Hopefully, if you have taught them, first by example, and then with the knowledge you have gained, they will think twice on how to spend it, or even if they want to. They may decide to put some away for a rainy day or they may blow it the first chance they get. Whatever choice they make in managing it, will help them be good money managers in adulthood. Teach them one principal at a time if you bombard them with everything all at once, they will only be confused. We can't expect them to be awesome money managers overnight. It takes time. Once a month, teach them one principal about money. For example, this month, you can teach them about budgeting their money. The next month could be about having a savings account, and so forth. If you teach line-by-line, precept-by precept, they will absorb more of the lesson. No one wants to be preached to. Give them opportunities to earn money whether they go beyond doing their chores or do a specific job you need help with, give them extra opportunities to earn money. The more experience they have with money, the better skilled they will become. If they choose to blow it all up front, it will teach them about patience and saving for what they really want. This sets up a great foundation for investing money for the future or putting money away for emergencies. Teach them about credit humans are impatient creatures. We want things and we want them now, even if we don't have the money. Credit cards have become the staple for many families, often leading to out-of-control debt, but when credit is used wisely, it can be very valuable, such as for credit ratings. When you use credit and you pay it off on time, companies are more willing to offer you more credit to buy things such as a home or a car. Having a good credit score rating can open doors for small business or college loans. Teach children that credit is not a gift; it's a loan. Tell them that credit has to be paid back, often with high interest rates, and that only when they have a plan to pay it back should they get a credit card. Teach them about savings accounts when children save their money for a rainy day or for special things, they feel a certain stewardship over that particular item or service, because they had to save money and patiently wait until they had it. That would be hard for any adult to achieve, let alone a child, but it can be done. Having a savings account is helpful; after all, if the money is locked away, it becomes less of a temptation to spend it! Not only that, but depending on their age, bank institutions have special accounts that give back small interest payments, which can be an incentive for a hesitant child to begin saving. When you give allowances, give it to them in denominations that encourage savings. So, if you give a child $5, give out five $1 bills and encourage that at least $1 go to savings. When they have saved the money, pat them on the back for a job well done. Children love praise and just telling them you are proud of their decision gives them more confidence that lasts into adulthood. Teach them about budgeting their money even if they only get a few dollars a week, children can list things they want to do with their money and whether they have the money to get those things. For example, say your child wants to put some money into savings, or buy a toy or a new pair of jeans. Sit down with them and help them a few times to budget, or project how much that particular item will be, and then determine if they have the money, or how much money they need to save in order to get it. Once they know about budgeting their money, it will become easier to manage their money in the future. Have family discussions about money check with them about their money management. Talk with them about any concerns you have and encourage them to talk to you. Having a set time to talk about money issues will also help keep everyone on task. Find out how they're doing and if they are struggling with saving money. For younger children, you could talk about the difference between cash, checks and credit cards. If you have teenagers, talk with them about the effects of the economy, of inflation verses deflation, how to economize at home and alternatives than spending money, such as borrowing an item, making it yourself, or a one-time rental. Sometimes just opening the door for communication will help with any potential problems or issues that may come up, especially if the child begins a new job or looses one. Talk to your kids about upcoming holiday plans or vacations that require a lot of money. Tell them your plan for saving the money and chances are they will want to save their own money as well. Stay out of debt easier said than done. Debt is a four-letter word for many families and can cause un-needed stress, but if we have our own savings account, occasional spending fund and emergency fund, we are more able to be financially secure, so that when the dishwasher goes out, we have the money to replace it. Having these extra funds will help children learn about the importance of making good financial decisions and insurance against unexpected expenses. Remember, children learn from example and we, as parents, need to try to be good examples of money management. Don't bail out your kids if your children get into financial trouble, the worst thing you can do is bail them out. If they were saving their money for something they needed and they ended up spending it on something different, don't get it for them. It may be a costly lesson, but if children have consequences resulting from their actions, they will learn, and the next time, they may choose differently. When they are older, teenagers usually need money for car payments, fuel and maintenance. Again, they need to budget their money so they have enough money to pay for those things. If they run out before they are paid again, they may have to walk or ride their bike, or a bus to work. Most likely, they will be more careful with their money next time. Money is a fun thing to have, as we are all aware, and teaching children at a young age about money will go a long ways to ensuring that their financial future is the best it can be. For more information, contact your local bank institution for brochures to give to your children. They will have account options that will fit best with their age and other tips in spending and saving wisely. PAYjr Contact PAYjr about your Prepaid card or the site PAYjr Contact Us page for customer service related to the allowance and chore site, free chore chart, the child savings account, or the child prepaid debit card. teenagers with credit cards, teens and credit, teens and credit cards, teens at the mall, teens credit, teens gifts, teens have credit cards, teens with credit cards, us bank buxx, us bank visa buxx, usbank visa buxx, vis buxx, visa bucks card, visa bux, visa bux card, visa buxx, visa buxx card, visa buxx cards, visabuxx, wachovia buxx PAYjr HOME | CHORE & ALLOWANCE | PAYJR VISA BUXX^® CARD | EDUCATION | FAQ | PRESS CEO's Blog | About Us | Contact Us Contact Us If you have any questions regarding PAYjr, please fill out the form below. Your Name * * Email * * * Correspondence Type ---- Select ---- Web Site Questions Investors Card Questions Press Privacy Questions Sales and Marketing * Message * * Copyright 2005-2007 PAYjr Inc. Site Terms of Use | Cardholder Agreement | Privacy Policy | PAYjr Corporate Website The Bullseye Design and Target are registered trademarks and Target GiftCard is a service mark of Target Brands, Inc. All rights reserved. The PAYjr Visa Buxx^® Card is issued by BankFirst, Sioux Falls, SD, pursuant to a license from Visa U.S.A. Inc. BankFirst; Member FDIC. Obtaining Your Card: The USA PATRIOT Act is a federal law that requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. Visa U.S.A. PAYjr | Benefits to Parents | Prepaid Visa Learn about PAYjr's Prepaid Card advantages & benefits to parents of teens and students. PAYjr offers security, safety, spend monitoring and usage limits on all reloadable teen debit cards. Prepaid credit, student, benefits, prepaid card features, debit card advantages, student credit, difference teen prepaid, compared Benefits to Parent Do you know where and how your teenager is spending the money you give them PAYjr provides parents with complete control over the PAYjr Card. PAYjr allows you to monitor spending and control how much money is on the PAYjr Card. Do you find yourself stopping at the ATM or loaning out your credit card to your teen when they need money PAYjr realizes that parents rarely carry cash these days. We provide a convenient, secure, and simple way to load the PAYjr Card so your teen always has the money they need. The PAYjr Card can be loaded via one-time loads, recurring "allowance" loads, as teens complete chores, or by direct deposit from your teen's employer. Has your teen lost or had money stolen in the past The PAYjr Card is safer than cash because if it's lost or stolen, you are protected. You'll pay nothing for unauthorized purchases. Funds are FDIC insured. Not sure if a prepaid card is the right solution for your teen The PAYjr Card has no long term commitments. You can cancel at anytime. PAYjr | Prepaid Visa Card | Benefits to Teens Learn about the benefits teens get from having a PAYjr card, including flexibility, limits to spending, reloadable, absence of high fees, customizable & a chore & allowance system. visa buxx, bux, teen debit card, student credit, credit minors, prepaid debit card for teens, students, differences, comparison, payment options, safety PAYjr Visa Buxx The PAYjr Visa Buxx Card is a reloadable prepaid card designed specifically for Teenagers. We have spent countless hours talking to teens, interviewing parents, and conducting focus groups in order to develop a product that not only answers the needs of parents, but also the needs of teenagers. Financial Education Jump$tart's 2006 Financial Education Survey shows that "Students who used an ATM/debit card for their purchases had scores that were a remarkable 3.4% higher than those who used credit cards for their purchases." Cash and checks are becoming a thing of the past, now is the best time to teach your teen how to manage their money. Independence Your teen will now have the ability to make responsible choices about purchases without borrowing your credit card or carrying pockets full of cash. Flexibility The PAYjr Visa Buxx Card is accepted at millions of locations, wherever Visa debit cards are accepted; including online merchants. Safety The PAYjr Visa Buxx Card is safer than cash because if it's lost or stolen, you are protected. You'll pay nothing for unauthorized purchases. Funds are FDIC insured. Notifications PAYjr provides teens with a comprehensive set of notifications via SMS text messaging or email so teens are always up to date with their card balance and activity. Cool PAYjr provides card designs that will fit everyone's style. What good is a financial education tool if teens won't use it PAYjr | Compare PAYjr's Prepaid Credit Card Compare PAYjr to other payment types for teens: customizable, safe, trackable, no minimum balance, no credit checks, parental control & more. Compare, PAYjr, teen card, comparison, credit card, student credit, customize, design your own, students, alerts via text message or email parents teens, Parental control, card usage, No minimum balance required, No credit checks There are many milestones that you have experienced with your teenager as they were growing up; the first time they took a bath by themselves, the first time they walked to school without you by their side, their first sleepover, and too many others to count. As times change, these milestones evolve. Today, as parents we are making decisions on whether our teens are ready for their own email, their own cellular phone or even their own laptop. As parents, we understand these decisions are sometimes difficult because our number one concern is making sure we do what is best for our teenagers. That is why PAYjr was developed; to provide a safe and affordable way to teach our teens how to manage money. Unlike teen checking accounts, adding your teen to your existing accounts, or other prepaid programs. The PAYjr Visa Buxx Card is designed specifically for teens and provides features that all parents will appreciate. Here are just a few things that set the PAYjr Visa Buxx Card apart from other options: arrow It's not a credit card arrow Flexible alerts via text message or email for parents and teens arrow Parental control and visibility over card usage arrow Optional use of Chore & Allowance system arrow No minimum balance required arrow No credit checks * arrow Access to Interlink^®, America's leading online point-of-sale network, and STAR^® Debit and ATM Network - one of America's leading PIN-secured debit networks arrow Funds are FDIC insured PAYjr | Visa Buxx | Prepaid Debit Card | How It Works Learn about how PAYjr's teen prepaid card works. Prepaid card is for kids or students 13 and up. Prepaid credit card, debit card teens, age 13, teenagers, kids money, allowance, spend, buy online, shop online, without credit card, teen checking, alternative 1. Sign Up You must be a parent or guardian to enroll a teenager in the program. There is no credit check necessary and your teen does not need a bank account, but we will need to collect some information from you in order to enroll your teen for a PAYjr Visa Buxx Card. We must collect this information due to the USA PATRIOT Act *, which is a federal law requiring all financial institutions to obtain, verify, and record information that identifies each person that opens an account. 2. Verify Bank Account We will divide your first load to the PAYjr Visa Buxx Card into two random transactions and debit them from your checking account. PAYjr will then ask you to view your bank account online or contact your bank directly to determine the two random amounts. Once this step is completed, your account will be verified and you can proceed to load the PAYjr Visa Buxx Card or order additional PAYjr Visa Buxx Cards. 3. Activate the PAYjr Visa Buxx Card Your teen's PAYjr Visa Buxx Card will arrive in about 10 days. Once you receive the PAYjr Visa Buxx Card, you or your teen can activate the PAYjr Visa Buxx Card by logging on to the PAYjr website or by calling the automated telephone system at 1-800-881-1969. 4. Earn Smart. Spent Smart. Use the PAYjr website to check your balance, track spending, load the PAYjr Visa Buxx Card, set up custom alerts, and teach your teen to manage their money. PAYjr | Teen Prepaid Card | Pricing Price information for PAYjr's teen prepaid MasterCard. Find out why PAYjr is your most cost-effective prepaid option. prepaid mastercard, teen prepaid card, buxx, student credit, credit card minors, pre paid debit card, kids credit, cost pre paid, visabuxx, fees, how much We at PAYjr work hard to provide great products at prices that make sense for parents. Financial education, security, features, and online access are important but we understand that price is important to parents as well. You can try The PAYjr Visa Buxx Card for the low price of $4.95 as a one-time fee and $.50 per load to the card. If you choose to continue using The PAYjr Visa Buxx Card, there will be a small monthly fee of $3.95. arrow PAYjr does not charge an activation fee or postage and handling fee. arrow Access to the patent-pending PAYjr Chore & Allowance Management system is completely free. arrow The PAYjr Visa Buxx Card is also accepted wherever Visa^® debit cards, Interlink^® cards, and STAR^® cards are accepted. Interlink is America's leading online point-of sale network and STAR is one of America's leading PIN-secured debit networks, giving teens convenient and surcharge free access to their funds. For all the Terms and Conditions refer to the Cardholder Agreement Click here to open the Cardholder Agreement in new window provides free financial education. arrow The system allows both the parent and child to review chores through the web site arrow Printable chore chart and online calendars help parents and children manage chores and rewards arrow Ongoing "Balance Owed" is tracked by the PAYjr system PAYjr HOME | CHORE & ALLOWANCE | PAYJR VISA BUXX^® CARD | EDUCATION | FAQ | PRESS CEO's Blog | About Us | Contact Us FAQ's PAYjr Visa Buxx Card How do I cancel a pending load to my Teen's PAYjr Visa Buxx Card Why should I choose the PAYjr Visa Buxx Card over a bank card or credit card How do I validate my checking or savings account as a Funding Account Is identification required to use the card What is different about buying gas at the pump or paying inside the store How do I activate the PAYjr Visa Buxx Card How do I get a PAYjr Visa Buxx Card for my Teen What is a PAYjr Visa Buxx Card What is the difference between a prepaid card, a check card and a credit card What are the benefits of a PAYjr Visa Buxx Card How is the PAYjr Visa Buxx Card safer than carrying cash How does PAYjr Visa Buxx Card help Teens with budgeting Can Parents set spending limits How can Parents guide their Teens to the most appropriate places to shop, especially online How does the PAYjr Visa Buxx Card work Who can use the card How do I load money onto the card What happens if a merchant puts an item through without prior authorization Is the PAYjr Visa Buxx Card a debit card What are the differences between what the Parents can do and what the Teen can do How many cards can I order Is it possible to spend more than is on the card How do I close my Teen's PAYjr Visa Buxx Card account What types of Funding Accounts can be used to load a PAYjr Visa Buxx Card What is a Chore Threshold and how does it work for the PAYjr Visa Buxx Card program How are funds transferred from the Parent's Funding Account to the Teen card Whose name appears on the card Am I able to see where my Teen is using the card When will I be charged the account setup fee and initial Card fee What are the PAYjr Visa Buxx Card E-Consent Terms How long does it take to get my PAYjr Visa Buxx Card How do I create or change my PAYjr Visa Buxx Card PIN How do I dispute a charge on my PAYjr Visa Buxx Card What is Address Verification How do I upgrade my Child from the PAYjr Chore and Allowance Management System to the PAYjr Visa Buxx Card What kinds of PAYjr Visa Buxx Card Alerts are available and where does a Parent or Child receive them When my Teen completes their Chores, when will the money be added to the PAYjr Visa Buxx Card Chore & Allowance Management System How do I add and manage Chores How are Chores approved How can I set frequencies for Chores and Allowances Where does a child see what Chores are due What kinds of PAYjr Chore and Allowance Management System Alerts are available and where does a Parent or Child receive them How does a Parent clear the amount owed to a Child How much does the PAYjr Chore and Allowance Management System cost How do I sign up for the PAYjr Chore and Allowance Management System What is the PAYjr Chore and Allowance Management System

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PAYjr Visa Buxx Card Back to Top How do I cancel a pending load to my Teen's PAYjr Visa Buxx Card If the load is still in pending status, you can cancel it online. Just login to your account and select Payments on the Parent Home Page. You will see the option to cancel a pending transaction. You can also modify any recurring loads, such as Allowances, at any time. Back to Top A Parent can get a PAYjr Visa Buxx Card for their Teen who is at least 13 years old. Just choose Parent Purchase a Card to get started. You'll choose the card design, set up an account profile for each of you and add a Funding Account that will be used to load money to the card. Once your account is established, you can start using the service right away. Your PAYjr Visa Buxx Card will arrive in about 10 business days. monebaggassemonebaggasseBack to Top There are several ways to keep track of the balance on your PAYjr Visa Buxx Card. Both the Parent and the Teen can check the card balance online at any time or by calling 1-800-409-8606 to retrieve the balance using the automated phone service. You can also set up email or mobile Alerts to be notified of the card balance. Teens should also keep their receipts to compare them to the online statement as a way of understanding how much they are spending and where. It's a valuable budgeting exersice that teaches the value of money and increases awareness of the card balance, which is important when making a purchase. Back to Top